WALNUT. Walnut Creek. P.O. Box 2205 Austin, TX. January 1, mail entries. Winners will be PECU's Walnut. indirectly from

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2 WALNUT CREEK BRANCH MEMBER APPRECIATION EVENT Official Sweepstakes Rules 1. No Purchase Necessary to Enter and Win. Persons age 18 and older and who have a valid social security number are eligible to participate in the drawings to be held on February 1, Eligible personss may enter the Sweepstakes between January 1,, 2019 February 1, 2019, through any of the following methods: You must visit the Walnut Creek Branch of PECU at 8013 Centre Park Drive in Austin, Texas and complete an entry form to enter on February 1, To enter manually, submit an originall hand written 3 x 5 card without charge or obligation with your name, mailing address, address, phone, age, and member account number, if applicable. You must also legibly write Walnut Creek February 2019 Member Appreciation Drawing Entry on the card (all information must be includedd to be considered a valid entry) to: Public Employees Credit Union Walnut Creek Branch Member Appreciation Sweepstakess P.O. Box 2205 Austin, TX Entries submitted by mail are limited to one entry per person and must be received between January 1, 2019 February 1, 2019 by 5 PM to be eligible. PECU assumes no responsibility for lost, late, incomplete, early, stolen, misdirected, illegible, or postage-due mail entries. 4. Need not be present to win. All decisions are final and are at PECU's sole discretion. Winners will be notified by phone or . Prize must be picked up by March 1, 2019 at PECU's Walnut Creek Branch at 8013 Centre Park Drive in Austin, Texas and a valid Social Security number and photo identification must be provided. In the event we are unable to contact the winner, PECU will choose an alternate winner ten (10) business days after the applicable Drawing Date. The prizes will be awarded by random drawing of all eligible entries on the Drawing Date of February 1, Limit one entry per person. 5. All winners agree to hold PECU and its directors, officers, and employees harmless against any and all claims arising from damage or injury resulting either directly or indirectly from the acceptance or use of any prize awarded.

3 6. All state and federal taxes are the sole responsibility of the person winning any prize. 7. Odds of winning depend on the number of entries received. 8. By accepting a prize, each winner consents to disclosure of his or her name and agrees to allow PECU to use his or her name and picture in any promotional, social media, advertising or marketing materials. 9. Directors, volunteers and employees of PECU and their immediate family members (spouses, parents, siblings and children) and household members of such directors, volunteers and employees are ineligible for this drawing. 10. By submitting an entry, you agree to these rules. Any violation of these rules will result in disqualification. 11. This contest is void where prohibited by law. 12. Unless using manual entry, you must go to the Walnut Creek Branch on 2/1/19 to enter. Auto Loan Promotion Details Must apply in person at PECU s Walnut Creek Branch on February 1, These offers not available at any other PECU Branch. All loans subject to credit approval. Standard underwriting guidelines apply. These offers may not be combined with any other PECU loan promotions. Must be a PECU member to get loan offers. If you are not a PECU member, you may join on or before February 1, 2019 to be eligible for these loan offers. All approved loans must be funded by the close of business on February 1, 2019 to get promotional rates. Rates, terms and conditions subject to change without notice. Loans currently financed at PECU are not eligible. All loans must be new loans or a refinance from another financial institution. PECU at its sole discretion will decide eligibility claims. On February 1, 2019 only at PECU's Walnut Creek Branch at 8013 Centre Park Drive in Austin, Texas PECU will reduce all auto loan rates at least 0.50% (50 basis points). Below are the rates available on February 1, 2019 at the Walnut Creek Branch* YEAR MAX TERM CURRENT RATE AS LOW AS PROMOTION RATE ON 2/1/19 AS LOW AS Up to 36 Months 3.39% APR 2.89% APR Up to 48 Months 3.59% APR 3.09% APR Up to 60 Months 3.79% APR 3.29% APR Up to 66 Months 3.99% APR 3.49% APR

4 Up to 72 Months 4.49% APR 3.99% APR Up to 78 Months 4.89% APR 4.39% APR Up to 84 Months 5.29% APR 4.79% APR 2017 Up to 66 Months 4.19% APR 3.69% APR Up to 72 Months 4.69% APR 4.19% APR Up to 75 Months 4.89% APR 4.39% APR Up to 66 Months 4.39% APR 3.89% APR Up to72 Months 4.89% APR 4.39% APR 2014 Up to 60 Months 4.89% APR 4.39% APR Up to 66 Months 4.89% APR 4.39% APR Up to 54 Months 4.89% APR 4.39% APR Up to 60 Months 4.89% APR 4.39% APR * Based on your good credit, take at least.50% off the current PECU auto loan rates on 2/1/19. Rates, terms & conditions subject to change. Contact PECU to verify your promotional rate. PECU MasterCard Promotion Details Must go to at PECU's Walnut Creek Branch at 8013 Centre Park Drive in Austin, Texas to receive the offers. Must apply at Walnut Creek Branch and be approved to receive offers. These offers may not be combined with any other PECU MasterCard and PECU Debit Card promotions. Must be a PECU member to get offers. Your first purchase with your new PECU MasterCard must occur within 30 days of the application date in order to get up to $50 reimbursement for your first purchase with the new card. PECU will credit your account no later than 30 days after your initial purchase. Limit one per household for new PECU MasterCards for this promotion. Not valid for reissue of lost cards and replacement cards for existing PECU MasterCards. PECU members that hold an existing PECU MasterCard may not add an additional card in their name to their account and participate in this promotion. PECU at its sole discretion will decide eligibility claims.

5 Refer a Friend & Split $100! CURRENT PECU MEMBER Here s an opportunity for you to refer a friend and receive $50 for each new PECU member you refer. Your friend needs to open a new PECU savings account & any PECU checking account* Current Member Name Street Address City, State, Zip Code Phone Please fill out top half and then give it to your friend to fill out bottom half. QUESTIONS? pecutx.org *Your $50 will be deposited to your PECU checking account when your friend opens a PECU savings account & PECU checking account and meets the promotional requirements. Program, terms & conditions subject to change at any time at PECU s sole discretion. GET $50 FOR YOU, PLUS $50 FOR YOUR FRIEND! NEW PECU MEMBER Welcome to PECU! Please fill out bottom part and then give it to PECU. Earn $50 for you, plus $50 for the friend who referred you* You must fill out this form completely and then do the following: 1) Open a PECU savings account & make one deposit of $50 or more within 60 days of account opening 2) Open any PECU checking account & complete five (5) signature-based debit card transactions of at least $10 each within 60 days of account opening. New Member Name Street Address City, State, Zip Code Phone pecutx.org FOR PECU USE OPENED BY: DATE: CODE 04 ADDED: *PECU membership required. $50 will be deposited to your PECU checking account. New accounts screened through ChexSystems. Must be 18. $5 minimum opening deposit required for member savings account. $5 minimum deposit required for member checking account. Promotional deposit will occur within 60 days of meeting requirements. Promotional deposit will be deducted if checking account is closed less than 180 days after opening account. Promotion not valid for existing PECU members. Program, terms & conditions subject to change at any time at PECU s sole discretion.